Home Equity

Now, finding the best mortgage and home equity loan is easier than ever. Our mortgage experts are available from 8:00 a.m to 7:00 p.m. ET, any day of the week. Let us answer your questions, find rates, estimate payments and take your application over the phone. First Citizens Mortgages By Phone is your source and we're ready to help with your home financing needs. For more information, call us at 1.888.FC DIRECT (1.888.323.4732) or stop by your local branch.

A First Citizens EquityLine allows you to borrow using the equity you've built in your home and taking advantage of the current low rates, as well as the potential tax deductibility.¹ Pay for your child's education, buy a car, renovate the kitchen or take that second honeymoon you've been dreaming about by writing an EquityLine check or using your EquityLine Visa^®.

An EquityLine Visa gives you direct, easy access to your First Citizens EquityLine whenever and wherever you need it. With an EquityLine Visa card in your wallet, you can easily access your EquityLine for major purchases and expenses and you’ll pay no annual fee, pay nothing for fraudulent purchases and have the option to earn BankMiles^® for every dollar of purchases charged. To learn more about our BankMiles frequent flyer program click here.

A First Citizens EquityLoan is more commonly referred to as a second mortgage. It is a lump-sum loan with a fixed interest rate, fixed term and fixed monthly payments. In many cases the interest you pay is tax deductible.¹ We’ll work with you to develop the terms that meet your needs and there is never a penalty for early pay-off.